BlastPoint's Banking Scorecard
First State Bank of Van Orin
Designations: ✓ Community bank
Van Orin, IL
2 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -7.1% year over year ($35.4M on the books).
- Delinquency rate 4.62%.
- Return on assets 0.71%.
- Efficiency ratio 71.65% vs a 119.40% peer average.
- Loan-to-deposit ratio 33.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of Van Orin has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 47.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.22% below tier average
- - Delinquency Rate 3.14% above tier average
- - ROA 0.29% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.0M
-5.0% YoY
-2.1% QoQ
|
-$22.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$11.8M
+1.4% YoY
+5.0% QoQ
|
-$23.1M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$35.4M
-7.1% YoY
-2.4% QoQ
|
-$16.2M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
0.71%
+2.6% YoY
+30.9% QoQ
|
-0.29% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
2.70%
-1.7% YoY
+4.9% QoQ
|
-1.22% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio ? |
71.65%
+5.8% YoY
-7.7% QoQ
|
-47.75% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
4.62%
+742.6% YoY
+68.7% QoQ
|
+3.14% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.2% in tier |
| Loan-to-Deposit Ratio ? |
33.44%
+9.2% YoY
+7.6% QoQ
|
-40.77% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.39%
+4.9% YoY
+11.0% QoQ
|
-7.10% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.37%
+799.4% YoY
+80.8% QoQ
|
+0.53% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
26.68%
+1.8% YoY
-2.7% QoQ
|
-0.44% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.10%
+22.8% YoY
+95.0% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
42% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.4%
+0.8pp YoY +1.6pp QoQ |
-8.2pp | 24.6% | 20.1% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.2%
+6.9pp YoY +3.2pp QoQ |
+13.8pp | 13.4% | 14.7% | 12.5% | 88% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
1.7%
-0.3pp YoY -0.2pp QoQ |
-33.2pp | 35.0% | 28.3% | 31.3% | 8% |
| Consumer |
6.6%
+1.6pp YoY -0.2pp QoQ |
-1.1pp | 7.7% | 5.4% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
26.7%
+0.5pp YoY -0.8pp QoQ |
-12.0pp | 38.7% | 19.9% | 19.7% | 66% |
| Leverage Ratio |
12.4%
+1.4pp YoY +0.5pp QoQ |
-5.3pp | 17.7% | 12.2% | 12.6% | 46% |
| Total Capital Ratio |
27.8%
+0.5pp YoY -0.8pp QoQ |
-11.8pp | 39.7% | 20.9% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-2 (-33.3%) YoY -1 (-20.0%) QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$10.0M
+42.5% YoY +22.4% QoQ |
+$3.8M | $6.2M | $8.3M | $8.8M | 94% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
4.6%
+4.2pp YoY +1.9pp QoQ |
+3.7pp | 1.0% | 0.4% | 0.4% | 96% |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
0.38x
-88.2% YoY -44.0% QoQ |
-6.03x | 6.41x | 5.62x | 20.23x | 12% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.2% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.9%
-1.8pp YoY +1.5pp QoQ |
+0.5pp | 6.4% | 10.5% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 41% |
| Net Income ($, YTD) |
$145,000
-4.6% YoY — QoQ |
-$173K | $317,817 | $11.7M | $40.4M | 29% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.